What are the current interest rates at Finex Credit Union?

Current rates for Finex Credit Union include: 12-Month CD: 0.85%, 18-Month CD: 0.85%, 24-Month CD: 0.90%, Savings: 2.02%, MMA: 2.02%

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Finex Credit Union

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Finex Credit Union Rates & Review October 2026

Q: How many branches does Finex Credit Union operate?

Finex Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join Finex Credit Union?

Yes, to access services at Finex Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, Finex Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Finex Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 10, 2026

Finex Credit Union's top rates as of October 10, 2026 are 3.45% APY on its 9 Month Special-NEW MONEY ONLY CD, 2.02% APY on savings, 2.02% APY on money market accounts, and 1.51% APY on checking, according to rates verified by MonitorBankRates. Other Finex Credit Union CD rates include 18 Month Special-NEW MONEY ONLY CD at 3.25%, 36 Month CD at 1.00%, and 24 Month CD at 0.90%. MonitorBankRates evaluates the financial stability of Finex Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.15%. Rates last updated and verified on 10/10/2026.

Finex Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Finex Credit Union? Share your experience about Finex Credit Union by leaving a review below, or read customer reviews before you decide to use Finex Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.15%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Finex Credit Union
Finex Administrative Office

18 Elmer St
East Hartford, CT 06108-2547

https://www.finexcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Finex Credit Union CD Rates

Product	Rate	APY	Term
9 Month Special-NEW MONEY ONLY CD	3.40%	3.453%	9 Month
Min Deposit $1,000 Details Rates as of October 5, 2026. Minimum of $1,000 to open. Contact [email protected] for CD rates greater $75,000. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.45% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.15%
18 Month Special-NEW MONEY ONLY CD	3.20%	3.247%	18 Month
Min Deposit $1,000 Details Rates as of October 5, 2026. Minimum of $1,000 to open. Contact [email protected] for CD rates greater $75,000. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 3.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.15%
36 Month CD	1.00%	1.005%	36 month
Min Deposit $1,000 Details Rates as of October 5, 2026. Minimum of $1,000 to open. Contact [email protected] for CD rates greater $75,000. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.01% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.15%
24 Month CD	0.90%	0.904%	24 month
Min Deposit $1,000 Details Rates as of October 5, 2026. Minimum of $1,000 to open. Contact [email protected] for CD rates greater $75,000. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.90% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.15%
12 Month CD	0.85%	0.853%	12 month
Min Deposit $1,000 Details Rates as of October 5, 2026. Minimum of $1,000 to open. Contact [email protected] for CD rates greater $75,000. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.15%
18 Month CD	0.85%	0.853%	18 month
Min Deposit $1,000 Details Rates as of October 5, 2026. Minimum of $1,000 to open. Contact [email protected] for CD rates greater $75,000. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.15%
6 Month CD	0.60%	0.602%	6 month
Min Deposit $1,000 Details Rates as of October 5, 2026. Minimum of $1,000 to open. Contact [email protected] for CD rates greater $75,000. Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.15%

Finex Credit Union Savings Rates

Product	Rate	APY	View More
High Yield Savings Account	2.00%	2.018%
Min Balance $10,000 Details Rates as of September 1, 2026. New Money Only. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.02% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.15%

Finex Credit Union Money Market Rates

Product	Rate	APY
Money Market Account	2.00%	2.018%
Min Deposit $2,500 Min Balance $75,000 Details Rates as of September 1, 2026. Minimum of $2,500 to open. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 2.02% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.15%
Money Market Account	1.00%	1.005%
Min Deposit $2,500 Min Balance $50,000 Details Rates as of September 1, 2026. Minimum of $2,500 to open. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 1.01% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.15%
Money Market Account	0.10%	0.10%
Min Deposit $2,500 Min Balance $25,000 Details Rates as of September 1, 2026. Minimum of $2,500 to open. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.15%
Money Market Account	0.05%	0.05%
Min Deposit $2,500 Min Balance $2,500 Details Rates as of September 1, 2026. Minimum of $2,500 to open. Last Updated 10/10/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.15%

Finex Credit Union Checking Rates

Product	Rate	APY
Most Valuable Member Checking Account	1.50%	1.51%
Details Rates as of September 1, 2026 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.51% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.15%
Most Valuable Member Checking	-	1.50%
Min Balance $25,000 Details Earn a higher rate of 1.50% on balances up to $25,000 Last Updated 10/10/2026 Rate History No change since Sep 14, 2026 · 1.50% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.15%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Finex Credit Union’s Texas Ratio fell from 12.32% in Q3 2023 to 5.15% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$134M	5.15%	5.0	A+
March 31, 2026	$134M	9.34%	5.0	A
December 31, 2025	$133M	12.36%	5.0	A
September 30, 2025	$134M	15.72%	4.9	A-
June 30, 2025	$139M	14.49%	5.0	A-
March 31, 2025	$145M	13.97%	5.0	A
December 31, 2024	$141M	15.49%	5.0	A-
September 30, 2024	$143M	18.09%	4.7	B+
June 30, 2024	$152M	16.74%	4.9	A-
March 31, 2024	$149M	16.54%	4.9	A-
December 31, 2023	$150M	15.96%	4.9	A-
September 30, 2023	$151M	12.32%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Finex Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Finex Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Finex Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Finex Credit Union

Website https://www.finexcu.org

Address 18 Elmer St, East Hartford, CT 06108-2547

Phone 860-282-0001

Fax 860-760-6034

President Anthony Homicki

CEO Joseph Bartolotta

Full-Time Employees 35

Part-Time Employees 2

Branch Locations 3

ATM Locations 3

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.15%

Return on Assets (ROA)

0.3812%

Return on Equity (ROE)

4.2702%

Non-Performing Loans Ratio (NPL)

0.73%

Total Assets

133,981,572

Total Amount of Shares and Deposits

117,364,801

Total Shares and Deposits < 1 Year

114,404,980

Total Shares and Deposits 1 3 Years

2,541,669

Total Shares and Deposits > 3 Years

418,152

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

12,682,558

Total Uninsured Shares and Deposits > $250K (F+J)

12,682,558

Total Insured Shares and Deposits > $250K (item 17 less item K)

104,682,243

Total Interest Expense (Sum of items 6 8)

435,238

Share Certificates

381

Number of Accounts for Share Drafts

5,764

IRA KEOGH Accounts

318

Number of Accounts for Regular Shares

17,189

All other shares

Money Market Shares

206

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

7,893,127

Total Liabilities

122,021,505

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Finex Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Frequently Asked Questions About Finex Credit Union

How many branches does Finex Credit Union operate?

Finex Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Finex Credit Union?

Yes, to access services at Finex Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Finex Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Finex Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Finex Credit Union offer online and mobile banking?

Most modern institutions like Finex Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.finexcu.org.